Programs
Every program, in one place
This is everything we work on, grouped so you can find your situation without reading four pages that say the same thing in different words. Programs sit up top, then help for specific kinds of debt, then background reading on your score, your budget, and your rights. If nothing here matches exactly, call the office and describe what you're carrying. A counselor will point you to the right page, or tell you plainly if none of them fit.
Consolidation and counseling programs
These seven pages cover the same ground from slightly different angles: one monthly payment, handled by a counselor, without a new loan.
Consolidation and the monthly plan
Debt Consolidation
The idea in plain terms: several bills folded into a single monthly payment.
Debt Consolidation Program
How the formal program runs month to month, once an agency sits between you and your creditors.
Debt Management Plan
The structured plan a counselor sets up after going through your balances with you.
Debt Management
A wider look at managing what you owe, for anyone still deciding on a plan.
Credit counseling
General debt help
If you're not sure which program applies yet, these four pages are a wider read before you narrow it down.
Debt Help
A short map of what's available, written for someone who hasn't decided anything yet.
Debt Relief
An overview of the routes people take to get out from under what they owe.
Debt Solutions
Another angle on the same overview, consolidation among the options covered.
How to Get Out of Debt
Practical steps laid out plainly, without a program attached to every sentence.
Specific kinds of debt
Credit card debt, student loans, and money owed to the IRS don't get handled the same way. Each one has its own page.
Pay Off Credit Card Debt
The consolidation approach applied specifically to card balances, if that's most of what you're carrying.
Student Loan Debt Help
Where federal and private student loans fit into the conversation, and where they don't.
IRS Tax Debt Help
What a counselor can help with, and what's genuinely outside our scope, when the debt is owed to the IRS.
Credit score, budgeting, and your rights
Not everything here is about signing up for a program. These three are background reading you can use either way.
Still not sure which one is yours?
Call (512) 501-3955 and describe what you're dealing with. A counselor will tell you which of these actually applies, in about the time it takes to read one of these pages. See why people choose to call this office or read more about the office itself.